Your employer's Cycle to Work scheme works here

A government-backed salary sacrifice benefit. Your employer hires you a bike and kit, and the cost comes off your gross pay over the hire period, usually 12 months, so you don't pay income tax or National Insurance on that slice of salary. It has run since 1999 and the rules have not changed since 2019.

It depends on your tax band and your scheme's end-of-hire terms. On 2026/27 Scottish rates the saving during the hire is roughly 27 to 29% if you earn under about £43,600, and 44 to 50% above that. A £3,000 bike works out at about £177 a month for an intermediate-rate taxpayer and £125 to £140 for a higher-rate one. These are rough figures, not a quote.

No. It's a hire agreement between you and your employer, not finance from us. There's no interest and no credit check. Your employer pays the provider, and the payments come off your salary.

All of them. Cyclescheme, Halfords Cycle2Work, Green Commute Initiative, Gogeta, Vivup, Cycle Solutions, Bike2Work, Enjoy Benefits, Caboodle, and the benefits platforms built on them such as Pluxee, Reward Gateway, Perkbox and BHN Extras. If yours isn't listed, ask us.

Look on your HR or benefits portal under Cycle to Work or salary sacrifice. It will name the provider and give you an employer code. If you can't find it, email us with your employer's name and we'll point you in the right direction.

The old £1,000 cap was removed in 2019 for FCA-authorised providers. Your employer sets its own limit, so check yours. The University of Edinburgh and NHS Fife, for example, allow £5,000; some employers still cap at £1,000.

Yes. Colnago, Ridley and Moda in the studio, most other brands to order, plus e-bikes, gravel, mountain and cargo bikes. If it's a bicycle, it qualifies.

No, on every scheme. The certificate must be for one exact amount and used in one transaction, so we agree the full spec and price before you apply. That's what the Frame Finder session is for.

A £350 session where we measure you properly and work out which frame, size and setup actually suits you, before you spend the money. It includes the fit on your new bike once it's built. Because a certificate can't be changed afterwards, getting the spec right first matters more on Cycle to Work than on any other purchase.

Components fitted to the bike (saddle, stem, bars, pedals) are part of the bike and go on the quote. Clothing and safety kit are allowed on most schemes. A stand-alone fitting service is not clearly covered by any provider, so we don't put it on a certificate; the Frame Finder is paid separately and includes the fit on the bike.

Your employer, during the hire. At the end there is a small, separate step to take ownership. On most schemes that costs £0 to £1. Cyclescheme takes a refundable deposit of 3% or 7% and extends the hire for three more years before ownership passes.

The remaining balance is usually taken from your final net pay, so you lose the tax saving on that part but keep the bike arrangement. Check your scheme's terms.

Not as a sole trader. You need to be paid through PAYE. Directors of their own limited company who take a PAYE salary can join, and setting a scheme up for your own company is free and takes minutes with Gogeta, GCI or Cyclescheme.

Yes. The scheme is run by your employer, not by where you buy. We fit people from Aberdeen, the Highlands and England, and we also fit in London at a partner studio in Farringdon.

Frame Finder, then a quote the same day. Your employer approval depends on them; most are a few days to two weeks. The certificate arrives by email, you send it to us, and we build and fit the bike. A Halfords Letter of Collection is valid for four months, a Gogeta voucher for twelve, so there's time for a bike to be ordered in.